Linking Your Revolut Card to Apple Pay
Integrating your Revolut card with Apple Pay transforms your iPhone or Apple Watch into a secure digital wallet, streamlining transactions for everyday purchases. This capability allows for contactless payments at compatible terminals, online, and within apps, all without needing to present your physical card. The process is designed to be straightforward, ensuring you can start using your card digitally with minimal delay. Understanding the exact steps is key to benefiting from this convenience and enhanced security.
Apple Pay employs tokenisation, meaning your actual card number is not stored on your device or shared with merchants. Instead, a unique Device Account Number is assigned, encrypted, and securely stored. This offers a significant layer of protection, reducing the risk associated with data breaches.
- The process links your Revolut card to Apple Pay via the Wallet app.
- Tokenisation enhances security by not storing your card number.
- It enables contactless payments across various devices and platforms.
- The steps are similar across different Apple devices.
- Ensure your device's software is up to date for optimal performance.
To begin, you will need your Revolut card details readily available. This typically includes the card number, expiry date, and the CVV (Card Verification Value) code, which is usually found on the back of the card. You will also need to be signed into your Apple ID on the device where you intend to add the card.
Adding Your Revolut Card on iPhone or iPad
Initiating the addition of your Revolut card to Apple Pay on an iPhone or iPad begins with accessing the Wallet application. This app is pre-installed on all iOS devices and serves as the central hub for managing payment methods.
Opening the Wallet App
Locate the Wallet app icon on your Home Screen and tap to open it. The icon is typically a representation of a wallet with cards inside. Once opened, you will see any cards you may have already added.
Initiating the Card Addition
Tap the '+' icon, usually found in the upper-right corner of the Wallet app screen. This action prompts the interface to ask what type of card you wish to add. Select 'Debit or Credit Card'.
Entering Revolut Card Details
You will be presented with an option to enter your card details manually or scan them using your device's camera. For accuracy, scanning is often recommended, but manual entry is also an option. Ensure you have your Revolut card to hand. If scanning, align the card within the frame provided on your screen. The app will attempt to read the card number and expiry date automatically. If entering manually, you will need to type in the 16-digit card number, followed by the expiry date (month and year).
Verification and Security
After entering the card number and expiry date, you will be prompted to input the CVV code. This is the three or four-digit security code, typically found on the back of your Revolut card. Following this, you will need to agree to the terms and conditions presented by Apple Pay and Revolut. This agreement is crucial as it authorises the linking of your card to your digital wallet. The final step involves verifying your identity and card with Revolut. This is often done via a one-time passcode sent to your registered mobile number or email address, or through a prompt within the Revolut app itself. Follow the on-screen instructions to complete the verification process. Once verified, your Revolut card will appear in your Apple Wallet, ready for use.
The security verification step is paramount; do not skip it.
Adding Your Revolut Card on Apple Watch
For Apple Watch users, the process of adding a Revolut card mirrors that on iPhone, with a slight variation in where you initiate the action. The primary method involves using the companion iPhone app, but it can also be initiated directly on the watch itself.
Using the iPhone Watch App
Open the Watch app on your paired iPhone. Scroll down to the 'Wallet & Apple Pay' section and tap on it. Here, you will see cards already associated with your Apple Watch. Tap 'Add Card' and select 'Debit or Credit Card'. You will then be prompted to enter your Revolut card details as described previously (card number, expiry, CVV), followed by the verification process managed by Revolut.
Adding Directly on Apple Watch
Alternatively, you can add the card directly from your Apple Watch. Double-click the side button to open Apple Pay. If this is your first card, you will be prompted to add one. If you already have cards, scroll down and tap 'Add Card', then select 'Credit or Debit Card'. You will then need to enter your Revolut card details using the Digital Crown to scroll and tap to select characters on the screen. This can be more time-consuming than using the iPhone. The verification process will then follow, similar to the iPhone method, often requiring confirmation via your phone or the Revolut app.
Confirmation and Usage
Once your Revolut card is successfully added and verified, it will appear in the Apple Wallet on your Apple Watch. To use it for payment, double-click the side button and authenticate with your passcode or by the watch detecting it is on your wrist. Then, hold your watch near the contactless payment terminal. The transaction will be authorised using the tokenised card number.
Ensure your Apple Watch is unlocked and on your wrist when attempting to make a payment; the watch's security features are integral to Apple Pay's functionality.
Managing Your Revolut Card in Apple Pay
Once your Revolut card is added to Apple Pay, you gain control over its usage and can manage its presence within your digital wallet. This includes setting it as a default, reordering cards, or removing it entirely if necessary. These management features ensure your digital payment experience remains tailored to your preferences and security needs.
Setting a Default Card
If you add multiple cards to Apple Pay, you can designate one as your default payment method. This is the card that will be used automatically when you initiate a payment, unless you choose a different one at the point of sale. To set your Revolut card as the default on an iPhone or iPad, open the Wallet app, tap on your Revolut card, and then tap the 'Make Default Card' option. On an Apple Watch, this is managed through the Watch app on your iPhone, under 'Wallet & Apple Pay' where you can reorder your cards, placing your preferred card at the top.
Reordering Cards
The order in which your cards appear in Apple Pay reflects their priority. To reorder your cards, open the Wallet app on your iPhone or iPad. Touch and hold a card, then drag it to the desired position. The card at the top of the list will be the default. On Apple Watch, you reorder cards via the Watch app on your iPhone.
Removing Your Revolut Card
Should you no longer wish to use your Revolut card with Apple Pay, or if you lose your device, you can remove the card. Open the Wallet app, tap on the Revolut card you wish to remove. Tap the information icon (often an 'i' in a circle) or swipe up to see card details. Scroll down and tap 'Remove Card'. Confirm your decision when prompted. You can also remove a card remotely by signing into your Apple ID account online and managing your devices, or by contacting Revolut customer support. Removing the card from Apple Pay does not cancel your physical Revolut card.
Removing a card from Apple Pay is a straightforward process for security or preference changes.
Payment Limits and Considerations
When using your Revolut card via Apple Pay, it's important to understand that the transaction limits are generally dictated by Revolut and the payment network (Visa or Mastercard), rather than Apple Pay itself. Apple Pay acts as a secure conduit for your card's capabilities.
Contactless Payment Limits
For contactless payments made using a physical card, many countries have an 'uncapped' limit for transactions authenticated with a PIN or a device like a smartphone or smartwatch. However, some regions or specific retailers may still impose a per-transaction limit for contactless payments that do not require authentication beyond holding the device near the terminal. This limit is typically set by the bank or card issuer. For Revolut, the specific contactless limit without PIN authentication can vary based on your account type, location, and the merchant's terminal configuration. It is advisable to check the Revolut app or their terms and conditions for the most precise current figures applicable to your account.
Online and In-App Payments
When paying online or within apps using Apple Pay, the limits are generally higher and often dictated by the transaction amount itself and Revolut's own spending policies. You are typically able to make larger purchases using Apple Pay for online transactions compared to simple contactless taps in a shop, provided your Revolut account has sufficient funds or credit available and meets Revolut's transaction thresholds. There isn't a universal 'Apple Pay limit' for online purchases; rather, it aligns with your card's established limits and any specific restrictions Revolut may have in place for digital transactions.
How Much Can You Apple Pay?
The maximum amount you can spend with Apple Pay using a Revolut card depends on several factors: the type of transaction (contactless in-store, online, or in-app), your Revolut account's daily or monthly spending limits, and your available balance or credit limit. For contactless payments, always be prepared to enter your device passcode or use biometric authentication if the transaction exceeds a certain threshold, or if the terminal requires it, which can allow for higher values than tap-to-pay without additional verification. To find the exact 'how much can you Apple Pay' figure for your specific Revolut card, consulting Revolut's support documentation or in-app information is the most reliable approach, as these limits can be dynamic and account-specific.
Understand that transaction limits are primarily set by your card issuer, Revolut, not Apple.
Alternatives and Related Functions
While adding a Revolut card to Apple Pay is a primary function for many users, several related features and alternative payment methods merit consideration for a comprehensive understanding of digital transactions.
Using Revolut with Other Digital Wallets
Revolut cards are not exclusively compatible with Apple Pay. Depending on your device and region, you may also be able to add your Revolut card to other digital wallet platforms, such as Google Pay for Android devices. The process is generally similar, involving locating the wallet app on your device, selecting to add a new card, and following the prompts for verification. This offers flexibility if you use multiple operating systems or devices.
How to Change Default Card on Apple Pay
As previously detailed, managing your default card is a key function. If you wish to change your default card on Apple Pay, you can do so directly through the Wallet app on your iPhone or iPad by reordering your cards or explicitly selecting a new default. For Apple Watch, this is managed via the Watch app on your iPhone. This ensures your most frequently used or preferred card is always the first option presented for payment.
How to Delete Card from Apple Pay
The ability to remove a card is crucial for security and management. If you need to delete a Revolut card from Apple Pay, you can do this by opening the Wallet app, selecting the card, tapping the information icon, and choosing 'Remove Card'. This action revokes the card's digital token from your device, ensuring it can no longer be used for payments through Apple Pay on that specific device. It is a simple process that can be done at any time.
Can You Get Cashback with Apple Pay?
Cashback is typically offered by the card issuer or specific retailers, not by the payment platform itself. Therefore, whether you can get cashback with Apple Pay depends entirely on Revolut's policies and any promotions they may be running, as well as the terms offered by the merchant at the point of sale. Some retailers might offer cashback on debit card purchases, and if you are using your Revolut debit card via Apple Pay, you might be eligible, but this is not a standard feature of Apple Pay itself.
Exploring alternative wallets like Google Pay expands your digital payment options.